Which Debit Card to use for Credit Card Bill Payment in July 2025

[Buttman]

earlier user says the trick works only if you are unsubscribed, not subscribed. And I have a subscribed acc and unsubscribed acc both and both gives upi apps option only, it seems good score is having some bug where only some specific users can use dc option, otherwise dc option for 99.99% users doesn't work, so subscription seems wastage

But after installing the app and inputting the details they are directly asking money for subscription before even giving access to their UI
The other user stated that the bug is working for unsubbed user.

My question is, how was the user able to get access to the app UI i.e. how did he bypass the paywall to get into the apps bill pay menu?

From what i can see, subbing is mandatory in order to get access!

 

[Sobirvs]

My question is, how was the user able to get access to the app UI i.e. how did he bypass the paywall to get into the apps bill pay menu?

idk, how he did, but I have access to UI even though I am unsubscribed.

Trick is I was subcribed 2 months back. Hence still have access even though I am unsubscribed long back.

 

[gunadeepak10]

idk, how he did, but I have access to UI even though I am unsubscribed.

Trick is I was subcribed 2 months back. Hence still have access even though I am unsubscribed long back.

Yes it wont show without subscription for the 1st time

 

[Buttman]

idk, how he did, but I have access to UI even though I am unsubscribed.

Trick is I was subcribed 2 months back. Hence still have access even though I am unsubscribed long back.

So the 84+gst in a monthly thing!

That means, once we get access to their UI by paying their monthly fee, the app will continue to allow access inspite of not renewing our subscription thereafter? Is that right?

 

[Juganta]

www.phonepe.com
This merchant is fetching RP only for IDFC VOSA DC . With rupay we don’t get this merchant.
Made 2 txn and got rp

 

[Juganta]

So the 84+gst in a monthly thing!

That means, once we get access to their UI by paying their monthly fee, the app will continue to allow access inspite of not renewing our subscription thereafter? Is that right?

Right as per my experience

 

[Sobirvs]

So the 84+gst in a monthly thing!

That means, once we get access to their UI by paying their monthly fee, the app will continue to allow access inspite of not renewing our subscription thereafter? Is that right?

Yes, till you uninstall.

 

[Ram1]

Goodscore is account specific also

 

[Buttman]

Got it
That means no use in subbing now!

Yes, till you uninstall.

Right as per my experience

 

[Çàrdøhôlïç]

while signing up they are asking for 84+gst fee
No way to use the app unsubscribed?

didn't find any loophole for that.

 

[Çàrdøhôlïç]

Got it
That means no use in subbing now!

Also someone said that Badscore's MCC changed to 6012 which is excluded category for almost every banks.

 

[dealminer]

www.phonepe.com
This merchant is fetching RP only for IDFC VOSA DC . With rupay we don’t get this merchant.
Made 2 txn and got rp

Is it through axis app? Or directly through phonepe?

 

[mojo_jojo123]

goodscore is risky .. just did 2L + payment and it is showing "Payment to Goodscore successful" and "Payment to Bank Pending" ... not sure now they will credit to bank or refund .. I am already in grance date .. what to do ?

 

[Çàrdøhôlïç]

goodscore is risky .. just did 2L + payment and it is showing "Payment to Goodscore successful" and "Payment to Bank Pending" ... not sure now they will credit to bank or refund .. I am already in grance date .. what to do ?

No wonder everyone calls it Badscore😅

 

[Rakshitk99]

Bhai if they give a guarantee that this feature will be available for 1500 for a year for all cards numbers on my family I am ok to pay. You can get 60-80k points per month from IDFC which is not even 5-10% of benefits. But I don't trust them this would work as they would run out of money after sometime and disable the option.

If people are seriously paying 1500 just to be able to get RP on CC payments, thats a dumb decision and this is the consequence of their stupid action.

Subscribe to the app for what they offer, not to get 1% cashback for cc payments. Seriously, whats up with this decision making? Speaking this as someone that actually holds their elite plan for a while now.

 

[Juganta]

Is it through axis app? Or directly through phonepe?

Directly through Phonepe

 

[opbamldg]

goodscore is risky .. just did 2L + payment and it is showing "Payment to Goodscore successful" and "Payment to Bank Pending" ... not sure now they will credit to bank or refund .. I am already in grance date .. what to do ?

Never make such big payments through shady apps. Go with Netbanking. These apps have to keep a pre paid balance with NPCI to process payments. It takes about 1-2 days to receive payment you made via debit card in their current account, so they hold the payment, once they have money, they can process it further.

 

[Sobirvs]

so they hold the payment, once they have money, they can process it further.

Just to correct you here, NPCI holds the payment as their escrow doesn't have sufficient funds.

Once they get the payments next day, NPCI once refreshes their system, it(NPCI) automatically starts processing payments.

 

[mira21]

New trick
Install all 3 apps and register phonepe only and don't register gpay and paytm . Don't uninstall any apps. Just try . You get every time debit card option. No need to do anything.

 

[mojo_jojo123]

Just to correct you here, NPCI holds the payment as their escrow doesn't have sufficient funds.

Once they get the payments next day, NPCI once refreshes their system, it(NPCI) automatically starts processing payments.

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